By: Greggory B. Oberg, Esq.

Over the last month plus, we've all been inundated with issues relating to borrower repayment of loans in servicing. Some of that is because it's not a simple topic.

by: Greggory B. Oberg, Esq. If not already apparent to you, Servicing issues have emerged as the dark horse for Compliance Challenge of the Year 2020. Since ...

Dear Friends and Colleagues, Like all of you, we are watching our phones and computer screens for guidance from the industry stakeholders on how to best serv...

by: Greggory B. Oberg, Esq. HMDA Implementation Was So Fun, Let’s Do it Twice. Fresh off the first lap of “real” HMDA examination following the implementatio...

by: Greggory B. Oberg, Esq. Why Aren't You Using the HMDA Partial Exemption? No seriously, this isn't a "click bait" headline, I'm asking a legitimate questi...

By Bill Dolan, CMB As you frantically complete your last-minute changes and tweak your 2019 HMDA data for submission to the CFPB by March 1, 2020, you’ll fin...

by Bill Dolan, CMB Don’t have enough time and hours in the day already? With rates still attractive and volume steady, the GSEs come along and finally publis...

By: Bill Dolan, CMB. When Was the Last Time You Checked Under the Hood? The need for regular maintenance on your automobile is key to its longevity and susta...

By: Greggory B. Oberg, Esq. Another one short in characters but long in consequences this week. Today, we discuss the New York State Department of Financial ...

By: Bill Dolan, CMB Spillane Consulting Associates, Inc. has created the SCA Mortgage Exchange to provide, CEO’s, CFO’s, CRA Officers and Secondary Market ma...

By: Greggory B. Oberg, Esq. Last week lenders woke up to a new year, and a new IRS requirement. The Taxpayer First Act, which was passed into law in July and...

By: William Dolan To All our Clients: It’s been a busy year at SCA, and we have you to thank. SCA had a number of firsts launched in 2019 by our Mortgage Tec...

By: Greggory B. Oberg, Esq. Costly TRID Technicalities are Coming: A Deep Dive on CD Contact Information As many of you are aware, the honeymoon is over when...

By: Greggory B. Oberg, Esq. Since 2003, the Gramm Leach Bliley Act (GLBA) Safeguards Rule has required regulated entities take reasonable precautions to--as ...

By: Greggory B. Oberg, Esq. Twice a year, the CFPB publishes a report addressing regulatory matters the Bureau reasonably anticipates addressing during (roug...

By: Greggory B. Oberg, Esq. Pricing Discretion in Lending: How Much is “Too Much”? Fair lending remains one of the tougher compliance obligations to adhere t...

By: Bill Dolan, CMB Just a few weeks ago, the phone rang and John Spillane, Principal of Spillane Consulting Associates, Inc. received notification from The ...

By: Bill Dolan, CMB Right now, many of you are in the process or have begun strategic planning and budgeting for 2020'. If you don’t have a mortgage strategy...

By: Greggory B. Oberg, Esq. This article was first published in September of 2018, and has been updated and republished following the most recent HMDA